金融科技的崛起帶來了金融行業的變革和衝擊，同時也為金融行業帶來了新的機遇和挑戰。新時代金融商業模式的涅槃需要金融公司激烈競爭，同時也需要新創公司尋找夾縫求生的機會。
陳仁彬先生提出想做新的服務，於是在 2013 年創立了 Insto 公司，從一開始的業務市場定位不被市場所認可，到走進客戶，傾聽客戶的心聲，從而解決根本的問題，讓 Insto 公司的產品越來越貼切市場的需求，進而滿足客戶要求而提升自我的市場競爭力。
Insto 公司推出的服務模式是讓信用卡小白也可以享受數位金融服務，主打用手機 App 來進行線上定期付款或者分期付款，從而不再需要刷卡機進行支付，也降低商家租用刷卡機的費用等，也能支持遠距離支付，從而使得付款更加方便。
本研究利用哈佛個案的方式進行研究，藉由個案故事的內容探討創業家精神、組織敏捷性、主導邏輯、商業模式等理論議題。瞭解 Insto 公司如何在金融科技領域找到屬於自己的一片天空，通過不斷地產品反覆運算，實現目標。

The rise of financial technology has brought changes and impacts to the financial
industry, and at the same time brought new opportunities and challenges to the financial industry. The nirvana of the financial business model in the new era requires fierce competition from financial companies, as well as start-ups looking for opportunities to survive.
Mr. Bruce Chen proposed that he wanted to provide new services, so he founded
Insto in 2013. From the initial business market positioning that was not recognized by the market, he went to customers and listened to the voices of customers, so as to solve the fundamental problems, so that Insto's products are more and more suitable for market needs, and then meet customer requirements and improve their own market
competitiveness.
The service mode launched by Insto company is to allow credit card beginners to
enjoy digital financial services. It mainly uses mobile apps to make online regular
payments or installment payments, so that credit card machines are no longer needed for payment, and it also reduces the cost of renting credit card machines for merchants, can also support long-distance payment, thus making payment more convenient.
This research uses the method of Harvard case study, and explores the
entrepreneurial spirit, Theoretical topics such as organizational agility, dominant logic, and business models. Understand how Insto found its own sky in the field of financial technology, and achieved its goals through continuous product iteration.

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三、網站部分
1. 臺灣金融市場專題】總概：臺灣金融全方位解析網站：
https://www.sohu.com/a/226487995_313170
2. Insto 官網：https://ins.to/about-us
3. 《Hit FinTech》Insto 創辦人暨執行長陳仁彬：期望臺灣上一代在 PC 硬體的成
就，在數位網路時代繼續傳承：
https://tw.news.yahoo.com/hit-fintech-Insto%E5%89%B5%E8%BE%A6%E4%BA
%BA%E6%9A%A8%E5%9F%B7%E8%A1%8C%E9%95%B7%E9%99%B3%E4
%BB%81%E5%BD%AC-%E6%9C%9F%E6%9C%9B%E5%8F%B0%E7%81%
A3%E4%B8%8A-%E4%BB%A3%E5%9C%A8pc%E7%A1%AC%E9%AB%94
%E7%9A%84%E6%88%90%E5%B0%B1-123700247.html
4. 網路老兵操刀 Insto – App 就是行動刷卡機：
https://zf-creative.com/startup/Insto-app/